[AEONCR] YoY Annualized Quarter Result on 30-Nov-2024 [#3]

Stock

[AEONCR] AEON CREDIT SERVICE (M) BHD

Announcement Date

19-Dec-2024

Admission Sponsor

Sponsor

Financial Year

28-Feb-2025

Quarter

30-Nov-2024 [#3]

Profit Trend

QoQ- -10.03%

YoY- -21.45%

Quarter Report

Interim financial report Q3 FY2025.pdf

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AEONCR's Result

AEONCR's Financial Summary

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YoY %

Horiz. %

	30/11/24	30/11/23	30/11/22	30/11/21	30/11/20	30/11/19	30/11/18	CAGR
Annualized Quarter Result
Revenue	2,167,577	1,881,222	1,610,108	1,549,216	1,540,416	1,580,661	1,341,742	8.31%
YoY %	15.22%	16.84%	3.93%	0.57%	-2.55%	17.81%	-	-
Horiz. %	161.55%	140.21%	120.00%	115.46%	114.81%	117.81%	100.00%	-
PBT	445,081	536,772	556,220	642,708	228,369	363,212	476,090	-1.11%
YoY %	-17.08%	-3.50%	-13.46%	181.43%	-37.13%	-23.71%	-	-
Horiz. %	93.49%	112.75%	116.83%	135.00%	47.97%	76.29%	100.00%	-
Tax	-125,556	-129,974	-126,426	-186,656	-68,052	-91,669	-120,076	0.74%
YoY %	3.40%	-2.81%	32.27%	-174.28%	25.76%	23.66%	-	-
Horiz. %	104.56%	108.24%	105.29%	155.45%	56.67%	76.34%	100.00%	-
NP	319,525	406,797	429,793	456,052	160,317	271,542	356,014	-1.78%
YoY %	-21.45%	-5.35%	-5.76%	184.47%	-40.96%	-23.73%	-	-
Horiz. %	89.75%	114.26%	120.72%	128.10%	45.03%	76.27%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	319,525	406,797	429,793	456,052	160,317	271,542	356,014	-1.78%
YoY %	-21.45%	-5.35%	-5.76%	184.47%	-40.96%	-23.73%	-	-
Horiz. %	89.75%	114.26%	120.72%	128.10%	45.03%	76.27%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	28.21%	24.21%	22.73%	29.04%	29.80%	25.24%	25.22%	-
YoY %	16.52%	6.51%	-21.73%	-2.55%	18.07%	0.08%	-	-
Horiz. %	111.86%	96.00%	90.13%	115.15%	118.16%	100.08%	100.00%	-
Total Cost	1,848,052	1,474,425	1,180,314	1,093,164	1,380,098	1,309,118	985,728	11.03%
YoY %	25.34%	24.92%	7.97%	-20.79%	5.42%	32.81%	-	-
Horiz. %	187.48%	149.58%	119.74%	110.90%	140.01%	132.81%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	2,711,505	2,512,227	2,259,473	1,947,997	1,542,058	1,542,060	1,417,541	11.40%
YoY %	7.93%	11.19%	15.99%	26.32%	-0.00%	8.78%	-	-
Horiz. %	191.28%	177.22%	159.39%	137.42%	108.78%	108.78%	100.00%	-

	30/11/24	30/11/23	30/11/22	30/11/21	30/11/20	30/11/19	30/11/18	CAGR
Dividend
Div	97,021	194,033	97,016	97,016	31,317	75,741	74,299	4.54%
YoY %	-50.00%	100.00%	0.00%	209.79%	-58.65%	1.94%	-	-
Horiz. %	130.58%	261.15%	130.58%	130.58%	42.15%	101.94%	100.00%	-
Div Payout %	30.36%	47.70%	22.57%	21.27%	19.53%	27.89%	20.87%	-
YoY %	-36.35%	111.34%	6.11%	8.91%	-29.97%	33.64%	-	-
Horiz. %	145.47%	228.56%	108.15%	101.92%	93.58%	133.64%	100.00%	-

	30/11/24	30/11/23	30/11/22	30/11/21	30/11/20	30/11/19	30/11/18	CAGR
Equity
Net Worth	2,711,505	2,512,227	2,259,473	1,947,997	1,542,058	1,542,060	1,417,541	11.40%
YoY %	7.93%	11.19%	15.99%	26.32%	-0.00%	8.78%	-	-
Horiz. %	191.28%	177.22%	159.39%	137.42%	108.78%	108.78%	100.00%	-
NOSH	510,641	510,615	255,307	255,307	255,307	253,604	250,733	12.57%
YoY %	0.01%	100.00%	0.00%	0.00%	0.67%	1.15%	-	-
Horiz. %	203.66%	203.65%	101.82%	101.82%	101.82%	101.15%	100.00%	-

	30/11/24	30/11/23	30/11/22	30/11/21	30/11/20	30/11/19	30/11/18	CAGR
Ratio Analysis
NP Margin	14.74%	21.62%	26.69%	29.44%	10.41%	17.18%	26.53%	-
YoY %	-31.82%	-19.00%	-9.34%	182.80%	-39.41%	-35.24%	-	-
Horiz. %	55.56%	81.49%	100.60%	110.97%	39.24%	64.76%	100.00%	-
ROE	11.78%	16.19%	19.02%	23.41%	10.40%	17.61%	25.11%	-
YoY %	-27.24%	-14.88%	-18.75%	125.10%	-40.94%	-29.87%	-	-
Horiz. %	46.91%	64.48%	75.75%	93.23%	41.42%	70.13%	100.00%	-

	30/11/24	30/11/23	30/11/22	30/11/21	30/11/20	30/11/19	30/11/18	CAGR
Per Share
RPS	424.48	368.42	630.65	606.80	603.36	619.12	535.73	-3.80%
YoY %	15.22%	-41.58%	3.93%	0.57%	-2.55%	15.57%	-	-
Horiz. %	79.23%	68.77%	117.72%	113.27%	112.62%	115.57%	100.00%	-
EPS	62.57	78.35	165.71	176.00	60.15	101.49	137.07	-12.24%
YoY %	-20.14%	-52.72%	-5.85%	192.60%	-40.73%	-25.96%	-	-
Horiz. %	45.65%	57.16%	120.89%	128.40%	43.88%	74.04%	100.00%	-
DPS	19.00	38.00	38.00	38.00	12.27	29.67	29.67	-7.15%
YoY %	-50.00%	0.00%	0.00%	209.70%	-58.65%	0.00%	-	-
Horiz. %	64.04%	128.08%	128.08%	128.08%	41.35%	100.00%	100.00%	-
NAPS	5.31	4.92	8.85	7.63	6.04	6.04	5.66	-1.05%
YoY %	7.93%	-44.41%	15.99%	26.32%	0.00%	6.71%	-	-
Horiz. %	93.82%	86.93%	156.36%	134.81%	106.71%	106.71%	100.00%	-

	30/11/24	30/11/23	30/11/22	30/11/21	30/11/20	30/11/19	30/11/18	CAGR
Adjusted Per Share Value based on latest NOSH - 510,468
RPS	424.62	368.53	315.42	303.49	301.76	309.65	262.85	8.31%
YoY %	15.22%	16.84%	3.93%	0.57%	-2.55%	17.80%	-	-
Horiz. %	161.54%	140.21%	120.00%	115.46%	114.80%	117.80%	100.00%	-
EPS	62.59	79.69	84.20	89.34	31.41	53.19	69.74	-1.78%
YoY %	-21.46%	-5.36%	-5.75%	184.43%	-40.95%	-23.73%	-	-
Horiz. %	89.75%	114.27%	120.73%	128.10%	45.04%	76.27%	100.00%	-
DPS	19.01	38.01	19.01	19.01	6.14	14.84	14.56	4.54%
YoY %	-49.99%	99.95%	0.00%	209.61%	-58.63%	1.92%	-	-
Horiz. %	130.56%	261.06%	130.56%	130.56%	42.17%	101.92%	100.00%	-
NAPS	5.3118	4.9214	4.4263	3.8161	3.0209	3.0209	2.7769	11.40%
YoY %	7.93%	11.19%	15.99%	26.32%	0.00%	8.79%	-	-
Horiz. %	191.29%	177.23%	159.40%	137.42%	108.79%	108.79%	100.00%	-

	30/11/24	30/11/23	30/11/22	30/11/21	30/11/20	30/11/19	30/11/18	CAGR
Price Multiplier on Financial Quarter End Date
Date	29/11/24	30/11/23	30/11/22	30/11/21	30/11/20	29/11/19	30/11/18	-
Price	6.76	5.70	12.86	12.90	10.46	14.72	15.20	-
P/RPS	1.59	1.55	2.04	2.13	1.73	2.38	2.84	-9.20%
YoY %	2.58%	-24.02%	-4.23%	23.12%	-27.31%	-16.20%	-	-
Horiz. %	55.99%	54.58%	71.83%	75.00%	60.92%	83.80%	100.00%	-
P/EPS	10.80	7.15	7.64	7.22	16.66	13.84	10.69	0.17%
YoY %	51.05%	-6.41%	5.82%	-56.66%	20.38%	29.47%	-	-
Horiz. %	101.03%	66.88%	71.47%	67.54%	155.85%	129.47%	100.00%	-
EY	9.26	13.98	13.09	13.85	6.00	7.23	9.35	-0.16%
YoY %	-33.76%	6.80%	-5.49%	130.83%	-17.01%	-22.67%	-	-
Horiz. %	99.04%	149.52%	140.00%	148.13%	64.17%	77.33%	100.00%	-
DY	2.81	6.67	2.95	2.95	1.17	2.02	1.95	6.27%
YoY %	-57.87%	126.10%	0.00%	152.14%	-42.08%	3.59%	-	-
Horiz. %	144.10%	342.05%	151.28%	151.28%	60.00%	103.59%	100.00%	-
P/NAPS	1.27	1.16	1.45	1.69	1.73	2.44	2.69	-11.74%
YoY %	9.48%	-20.00%	-14.20%	-2.31%	-29.10%	-9.29%	-	-
Horiz. %	47.21%	43.12%	53.90%	62.83%	64.31%	90.71%	100.00%	-

	30/11/24	30/11/23	30/11/22	30/11/21	30/11/20	30/11/19	30/11/18	CAGR
Price Multiplier on Announcement Date
Date	19/12/24	21/12/23	21/12/22	23/12/21	21/12/20	19/12/19	20/12/18	-
Price	6.10	5.63	12.52	13.30	12.20	14.72	14.84	-
P/RPS	1.44	1.53	1.99	2.19	2.02	2.38	2.77	-10.32%
YoY %	-5.88%	-23.12%	-9.13%	8.42%	-15.13%	-14.08%	-	-
Horiz. %	51.99%	55.23%	71.84%	79.06%	72.92%	85.92%	100.00%	-
P/EPS	9.75	7.07	7.44	7.45	19.43	13.84	10.44	-1.13%
YoY %	37.91%	-4.97%	-0.13%	-61.66%	40.39%	32.57%	-	-
Horiz. %	93.39%	67.72%	71.26%	71.36%	186.11%	132.57%	100.00%	-
EY	10.26	14.15	13.45	13.43	5.15	7.23	9.58	1.14%
YoY %	-27.49%	5.20%	0.15%	160.78%	-28.77%	-24.53%	-	-
Horiz. %	107.10%	147.70%	140.40%	140.19%	53.76%	75.47%	100.00%	-
DY	3.11	6.75	3.04	2.86	1.01	2.02	2.00	7.62%
YoY %	-53.93%	122.04%	6.29%	183.17%	-50.00%	1.00%	-	-
Horiz. %	155.50%	337.50%	152.00%	143.00%	50.50%	101.00%	100.00%	-
P/NAPS	1.15	1.14	1.41	1.74	2.02	2.44	2.62	-12.81%
YoY %	0.88%	-19.15%	-18.97%	-13.86%	-17.21%	-6.87%	-	-
Horiz. %	43.89%	43.51%	53.82%	66.41%	77.10%	93.13%	100.00%	-

PBT = Profit before Tax, NP = Net Profit, NP to SH = Net Profit Attributable to Shareholder, Div = Dividend, NP Margin = Net Profit Margin, ROE = Return on Equity, NOSH = Number of Shares, RPS = Revenue per Share, EPS = Earning Per Share, DPS = Dividend Per Share, NAPS = Net Asset Per Share, EOQ = End of Quarter, ANN = Announcement, P/RPS = Price/Revenue per Share, P/EPS = Price/Earning per Share, P/NAPS = Price/Net Asset per Share, EY = Earning Yield, DY = Dividend Yield.

NOSH is estimated based on the NP to SH and EPS. Div is an estimated figure based on the DPS and NOSH. Net Worth is an estimated figure based on the NAPS and NOSH.

Div Payout %, NP Margin, ROE, DY, QoQ ⃤ & YoY ⃤ figures in Percentage; RPS, EPS & DPS's figures in Cent; and NAPS's figures in Dollar.

All figures in '000 unless specified.

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